Rate Card & Fee Schedule
Loan Type |
Min/Max Loan Amount |
Term |
APR as low as |
---|---|---|---|
1 Clean Energy Vehicles must be either all-electric or plug-in hybrid electric. |
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Loan Type New or Refinanced Electric Vehicle1 2 3 |
Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value |
Term 4 years |
APR as low as 5.74%3 4 5 6 |
Loan Type New or Refinanced Electric Vehicle1 2 3 |
Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value |
Term 5 years |
APR as low as 6.24%3 4 5 6 |
Loan Type New or Refinanced Electric Vehicle1 2 3 |
Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value |
Term 6 years |
APR as low as 6.64%3 4 5 6 |
Loan Type Used Electric Vehicle1 2 3 |
Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value |
Term 4 years |
APR as low as 6.24%4 5 6 |
Loan Type Used Electric Vehicle1 2 3 |
Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value |
Term 5 years |
APR as low as 6.74%4 5 6 |
Loan Type Used Electric Vehicle1 2 3 |
Min/Max Loan Amount $3,000 to $125,000 up to 110% Loan-to-Value |
Term 6 years |
APR as low as 7.89%4 5 6 |
Loan Type |
Min/Max Loan Amount |
Term |
APR as low as |
---|---|---|---|
1 Loans must be used for qualifying clean energy products and services – see list here: www.cleanenergycu.org/eligibleproducts.
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Loan Type Secured Green Home Improvement Loans1 2 3 |
Min/Max Loan Amount $3,000 to $75,000 |
Term 3 years |
APR as low as 6.00%4 5 6 |
Loan Type Secured Green Home Improvement Loans1 2 3 |
Min/Max Loan Amount $3,000 to $75,000 |
Term 5 years |
APR as low as 6.50%4 5 6 |
Loan Type Secured Green Home Improvement Loans1 2 3 |
Min/Max Loan Amount $3,000 to $75,000 |
Term 7 years |
APR as low as 6.75%4 5 6 |
Loan Type Secured Green Home Improvement Loans1 2 3 |
Min/Max Loan Amount $3,000 to $75,000 |
Term 10 years |
APR as low as 7.25%4 5 6 |
Loan Type Unsecured Green Home Improvement Loans1 |
Min/Max Loan Amount $1,000 to $50,000 |
Term 3 years |
APR as low as 8.75%4 5 6 |
Loan Type Unsecured Green Home Improvement Loans1 |
Min/Max Loan Amount $1,000 to $50,000 |
Term 5 years |
APR as low as 9.25%4 5 6 |
Loan Type Unsecured Green Home Improvement Loans1 |
Min/Max Loan Amount $1,000 to $50,000 |
Term 7 years |
APR as low as 9.50%4 5 6 |
Loan Type Unsecured Green Home Improvement Loans1 |
Min/Max Loan Amount $1,000 to $50,000 |
Term 10 years |
APR as low as 10.00%4 5 6 |
Loan Type |
Min/Max Loan Amount |
Term |
APR as low as |
---|---|---|---|
1 Secured via a UCC-1 filing on any repossessable equipment; you will be charged a flat filing fee that depends on the number of filings required, FICO score, loan amount, and project location which shall be either $100 or $250 (or $350 in CA, FL, IL, MD, PA, and TN)
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Loan Type Short-Term Solar Electric System Loan (i.e. Solar Tax Credit Loan)1 2 |
Min/Max Loan Amount $3,000 to $125,000 Typically 30% Loan-to-Value3 |
Term 12 or 18 months |
APR as low as 7.50%4 5 6 7 8 |
Loan Type Long-Term Solar Electric System Loan1 2 |
Min/Max Loan Amount $3,000 to $125,000 Typically 70% Loan-to-Value3 |
Term 12 years |
APR as low as 7.50%5 6 7 8 9 |
Loan Type Long-Term Solar Electric System Loan1 2 |
Min/Max Loan Amount $3,000 to $125,000 Typically 70% Loan-to-Value3 |
Term 15 years |
APR as low as 8.00%5 6 7 8 9 |
Loan Type Long-Term Solar Electric System Loan1 2 |
Min/Max Loan Amount $3,000 to $125,000 Typically 70% Loan-to-Value3 |
Term 20 years |
APR as low as 8.25%5 6 7 8 9 |
Loan Type |
Min/Max Loan Amount |
Term |
APR as low as |
---|---|---|---|
1 Secured via a UCC-1 filing on any repossessable equipment; you will be charged a flat filling fee that depends on number of filings required, FICO score, loan amount, and project location which shall be either $100 or $250 (or $350 in CA, FL, IL, MD, PA, and TN).
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Loan Type Short-Term Geothermal System Loan (i.e. Geothermal Tax Credit Loan)1 2 |
Min/Max Loan Amount $3,000 to $125,000 Typically 30% Loan-to-Value3 |
Term 12 or 18 months |
APR as low as 7.50%4 5 6 |
Loan Type Long-Term Geothermal System Loan1 2 |
Min/Max Loan Amount $3,000 to $125,000 Typically 70% Loan-to-Value3 |
Term 12 years |
APR as low as 7.50%5 6 7 |
Loan Type Long-Term Geothermal System Loan1 2 |
Min/Max Loan Amount $3,000 to $125,000 Typically 70% Loan-to-Value3 |
Term 15 years |
APR as low as 8.00%5 6 7 |
Loan Type Long-Term Geothermal System Loan1 2 |
Min/Max Loan Amount $3,000 to $125,000 Typically 70% Loan-to-Value3 |
Term 20 years |
APR as low as 8.25%5 6 7 |
Loan Type |
Min/Max Loan Amount |
Term up to |
APR as low as |
---|---|---|---|
1 Loans must be used for qualifying clean energy products and services – see list here: www.cleanenergycu.org/eligibleproducts.
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Loan Type Unsecured Clean Energy Loan1 2 |
Min/Max Loan Amount $1,000 to $50,000 |
Term up to 3 years |
APR as low as 8.75% 4 5 6 |
Loan Type Unsecured Clean Energy Loan1 2 |
Min/Max Loan Amount $1,000 to $50,000 |
Term up to 5 years |
APR as low as 9.25%4 5 6 |
Loan Type Unsecured Clean Energy Loan1 2 |
Min/Max Loan Amount $1,000 to $50,000 |
Term up to 7 years |
APR as low as 9.50%4 5 6 |
Loan Type Unsecured Clean Energy Loan1 2 |
Min/Max Loan Amount $1,000 to $50,000 |
Term up to 10 years |
APR as low as 10.00%4 5 6 |
Loan Type Savings Account Secured Loan |
Min/Max Loan Amount Up to Account Balance |
Term up to 5 years |
APR as low as Rate 2.5%3 4 6 |
Loan Type CD Secured Loan |
Min/Max Loan Amount Up to CD Balance |
Term up to 10 years |
APR as low as Rate 2.5%3 4 6 |
Loan Type |
Min/Max Loan Amount |
Term up to |
APR as low as |
---|---|---|---|
1 Rates are rounded up to the nearest 0.25% |
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Loan Type E-Bike Loan1 |
Min/Max Loan Amount $500 to $4,999 |
Term up to 3 years |
APR as low as 8.75% 2 3 |
Loan Type E-Bike Loan1 |
Min/Max Loan Amount $500 to $4,999 |
Term up to 5 years |
APR as low as 9.25%2 3 |
Loan Type E-Bike Loan1 |
Min/Max Loan Amount $5,000 to $15,000 |
Term up to 7 years |
APR as low as 9.50%2 3 |
Loan Type E-Bike Loan1 |
Min/Max Loan Amount $5,000 to $15,000 |
Term up to 10 years |
APR as low as 10.00%2 3 |
Loan Type |
Min/Max Line Amount |
Term up to |
APR as low as |
---|---|---|---|
(1) Required minimum monthly payment is 5.0% of outstanding balance |
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Loan Type Overdraft Line of Credit1 |
Min/Max Line Amount $300 to $2,500 |
Term up to Open Ended1 |
APR as low as 12.0%1 2 |
Deposit Balance1 |
Dividend Rate2 |
APY |
---|---|---|
1 Minimum opening balance requirement = $25; ongoing minimum monthly balance requirement = $0 Limited to one Rewards Checking per member account. *Debit card transactions are defined as a point of sale or online purchase using the debit card linked to your checking account. **Direct deposits include deposits made by the member’s employer issuing payroll or a federal or state government agency paying benefits, etc. Direct deposits do not include deposits to an account that are made by an individual using online or mobile banking or an Internet payment provider such as PayPal or Venmo.
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Deposit Balance1 Any Balance |
Dividend Rate2 0.01% |
APY 0.01% |
Deposit Balance1 $0 – up to $15,000 (with reward checking)2 |
Dividend Rate2 3.50% |
APY 3.56% |
Deposit Balance1 Portion of your balance above $15,000 (with rewards checking)2 |
Dividend Rate2 0.12% |
APY 0.12% |
Deposit Balance1 |
Dividend Rate |
APY |
---|---|---|
1 Minimum balance requirement = $5. 2 Dividend rates for an IRA Savings Account are 0.10% higher than standard rates shown here. |
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Deposit Balance1 $100 |
Dividend Rate 0.15% |
APY 0.15% |
Deposit Balance1 |
Dividend Rate |
APY |
---|---|---|
1 Minimum balance requirement = $100. |
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Deposit Balance1 $100 |
Dividend Rate 0.25% |
APY 0.25% |
Deposit Balance1 2 |
Dividend Rate |
APY |
---|---|---|
1 Minimum balance requirement = $500; 2 Dividend rates for an IRA Money Market Account are 0.10% higher than the standard rates shown here. |
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Deposit Balance1 2 $500 – $9,999 |
Dividend Rate 1.40% |
APY 1.41% |
Deposit Balance1 2 $10,000 – $49,999 |
Dividend Rate 1.47% |
APY 1.48% |
Deposit Balance1 2 $50,000 – $99,999 |
Dividend Rate 1.80% |
APY 1.81% |
Deposit Balance1 2 $100,000 – $199,999 |
Dividend Rate 1.95% |
APY 1.97% |
Deposit Balance1 2 $200,000 |
Dividend Rate 2.15% |
APY 2.17% |
Deposit Balance1 2 |
Dividend Rate |
APY |
---|---|---|
1 Minimum balance requirement = $500. |
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Deposit Balance1 2 $500 – $9,999 |
Dividend Rate 1.50% |
APY 1.51% |
Deposit Balance1 2 $10,000 – $49,999 |
Dividend Rate 1.57% |
APY 1.58% |
Deposit Balance1 2 $50,000 – $99,999 |
Dividend Rate 1.90% |
APY 1.92% |
Deposit Balance1 2 $100,000 – $199,999 |
Dividend Rate 2.05% |
APY 2.07% |
Deposit Balance1 2 $200,000 |
Dividend Rate 2.25% |
APY 2.27% |
Terms(2) |
$1,000 – $24,999(1) |
$25,000 – $99,999 |
$100,000 |
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(1) Minimum balance requirement = $1,000. |
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Terms(2) |
$1,000 – $24,999(1) Dividend Rate(3) |
APY |
$25,000 – $99,999 Dividend Rate(3) |
APY |
$100,000 Dividend Rate(3) |
APY |
Terms(2) 6 months |
$1,000 – $24,999(1) 4.30% |
4.39% |
$25,000 – $99,999 4.40% |
4.49% |
$100,000 4.50% |
4.59% |
Terms(2) 1 year |
$1,000 – $24,999(1) 4.00% |
4.07% |
$25,000 – $99,999 4.10% |
4.18% |
$100,000 4.20% |
4.28% |
Terms(2) 2 years |
$1,000 – $24,999(1) 3.95% |
4.02% |
$25,000 – $99,999 4.00% |
4.07% |
$100,000 4.05% |
4.13% |
Terms(2) 3 years |
$1,000 – $24,999(1) 3.25% |
3.30% |
$25,000 – $99,999 3.30% |
3.35% |
$100,000 3.35% |
3.40% |
Terms(2) 3 years (bump up option)(4) |
$1,000 – $24,999(1) 2.20% |
2.22% |
$25,000 – $99,999 2.25% |
2.27% |
$100,000 2.30% |
2.32% |
Terms(2) 4 years |
$1,000 – $24,999(1) 2.10% |
2.12% |
$25,000 – $99,999 2.15% |
2.17% |
$100,000 2.20% |
2.22% |
Terms(2) 5 years |
$1,000 – $24,999(1) 2.15% |
2.17% |
$25,000 – $99,999 2.20% |
2.22% |
$100,000 2.25% |
2.27% |
Terms(2) 10 years |
$1,000 – $24,999(1) 2.25% |
2.27% |
$25,000 – $99,999 2.30% |
2.32% |
$100,000 2.35% |
2.38% |
Terms(2) |
$1,000 – $24,999(1) |
$25,000 – $99,999 |
$100,000 |
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(1) Minimum balance requirement = $1,000. |
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Terms(2) |
$1,000 – $24,999(1) Dividend Rate(3) |
APY |
$25,000 – $99,999 Dividend Rate(3) |
APY |
$100,000 Dividend Rate(3) |
APY |
Terms(2) 6 months |
$1,000 – $24,999(1) 4.40% |
4.49% |
$25,000 – $99,999 4.50% |
4.59% |
$100,000 4.60% |
4.70% |
Terms(2) 7 Months |
$1,000 – $24,999(1) 5.10% |
5.22% |
$25,000 – $99,999 5.10% |
5.22% |
$100,000 5.10% |
5.22% |
Terms(2) 1 year |
$1,000 – $24,999(1) 4.10% |
4.18% |
$25,000 – $99,999 4.20% |
4.28% |
$100,000 4.30% |
4.39% |
Terms(2) 2 years |
$1,000 – $24,999(1) 4.05% |
4.13% |
$25,000 – $99,999 4.10% |
4.18% |
$100,000 4.15% |
4.23% |
Terms(2) 3 years |
$1,000 – $24,999(1) 3.35% |
3.40% |
$25,000 – $99,999 3.40% |
3.45% |
$100,000 3.45% |
3.51% |
Terms(2) 3 years (bump up option)(4) |
$1,000 – $24,999(1) 2.30% |
2.38% |
$25,000 – $99,999 2.35% |
2.38% |
$100,000 2.40% |
2.43% |
Terms(2) 4 years |
$1,000 – $24,999(1) 2.20% |
2.22% |
$25,000 – $99,999 2.25% |
2.27% |
$100,000 2.30% |
2.32% |
Terms(2) 5 years |
$1,000 – $24,999(1) 2.25% |
2.27% |
$25,000 – $99,999 2.30% |
2.32% |
$100,000 2.35% |
2.38% |
Terms(2) 10 years |
$1,000 – $24,999(1) 2.35% |
2.38% |
$25,000 – $99,999 2.40% |
2.43% |
$100,000 2.45% |
2.48% |
*fees are assessed prior to escheatment to state agency |
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Insufficient Funds |
$0 |
Returned Deposit |
$15 |
Returned Deposit (Member to Member) |
$15 |
Inactive Savings Account (per month) (After 24 months of no activity)* |
$5 |
Inactive Checking Account (per month) (After 6 months of no activity, excludes earned interest/dividends)* |
$5 |
In-Network ATM Withdrawal |
$0 |
Out-of-Network ATM Withdrawal |
$3 |
Debit Card International Transaction* (Percent of transaction amount) |
1.0% |
Replacement Cost for Debit Card |
$10 |
Expedited Mail for Replacement Debit Card |
$30 |
*Re-finance loan must meet these these conditions:
|
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Late Payment |
$20 |
Loan Coupon |
$20 |
Loan Document Revision |
$25 |
Solar/Geothermal/Green Home Improvement Loan Refinance (existing Clean Energy CU loans only)* |
1% of the refinanced loan amount, minimum $250 fee* |
Electric Vehicle Refinance (existing Clean Energy CU loans only) |
$50 |
Loan Re-Amortization |
$75 |
Loan Re-Amortization (if prepayment is made that is 15% or more of the original loan principal) |
FREE Limit 1 per loan |
Loan Subordination Processing |
$100 |
UCC-3 Filing Temporary Removal |
$250 |
Domestic |
$20 |
International |
$40 |
Early Withdrawal – CDs (See account disclosures) |
Varies |
Non-Sufficient Funds (NSF) Fee |
$0 |
Overdraft Transfer Fee – from Checking or Savings Account |
$0 |
Overdraft Transfer – from Overdraft Line of Credit |
$5 |
*International transactions may include online transactions conducted at retailers located outside the United States. |
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Paper Statements by Mail |
$7 |
Returned Mail/Bad Address |
$5 |
Cashier Check |
$5 |
OTC Check/Deposit Check |
$5 |
Collection Item |
$2 |
Check Copy |
$3 |
Stop Payment – Cashier Check Lost/Stolen |
$25 |
Stop Payment – ACH, Check or Bill Pay |
$25 |
Foreign Item Fee |
Up to $50 |
Inactive Bill Payment (After three months) |
$5 |
Statement Copy/Interim Account History |
$7 |
Levy/Garnishment/Legal |
$40 |
Account Research (15 minute increment) |
$30 |
Phone Initiated ACH Transfer |
$10 |
Expedited Mail |
$15 |
Shared Branch Transaction |
$0 |
Returned Payment Fee |
$25 |
Additional Credit Approval Extension Fee |
$150 |